Find the right DSCR program for your deal.
Five questions about property, credit, and cash flow — no credit pull, estimate-ok on every field.
Some of the data behind these figures is out of date. The figures are illustrative until it is refreshed.
- DSCR rate anchor & pricing grid: last verified June 2026, past its 30-day review cycle.
What type of property are you financing?
Why we ask
DSCR loans work for most rental property types. Short-term rentals (Airbnb-style) and larger multifamily buildings have specialty programs with slightly different requirements.
- No credit pull
- No email required
- Estimate-ok on every field
Go deeper
Debt Service Coverage Ratio — whether the property's monthly rent can cover the full loan payment (PITIA: principal, interest, taxes, insurance, and HOA). 1.00x = rent exactly covers the payment.
DSCR loans qualify on the property's income, not your tax returns or pay stubs. Ideal for self-employed investors and those with complex income structures.
This quiz organizes coarse scenario inputs only. Current pricing requires verified borrower, property, loan, appraisal, reserve, and program details.
How this is calculated
The quiz does not calculate a rate or pick a program. It sorts five answers — property type, credit, down payment, how the rent compares to the payment, and who the borrower is — into a screening lane, and it does not generate a program match or rate quote. There is no credit pull; a range is enough for an educational screen.
Two of the answers are ratios. LTV is 100% minus your down payment. DSCR (debt service coverage ratio) is the property's qualifying monthly rent divided by its full monthly payment, PITIA: principal, interest, taxes, insurance (and any flood policy), and any HOA dues. 1.00x means the rent exactly covers the payment; higher is stronger, and below 1.00x the rent does not cover it. For a long-term rental the qualifying rent is the lower of the signed lease and the appraiser's Form 1007 market rent, with no vacancy deduction. For the exact ratio on your deal, run the rent and PITIA through the DSCR Calculator.
The FAQ's rate answer shows illustrative rate bands from the Jun 17, 2026 rate sheet — not live pricing.
What qualifies
Eligibility follows the published program matrix, not the quiz. From its program sheets dated Sep 12, 2025 – Apr 1, 2026 (pulled Jun 24, 2026):
- Credit: minimum FICO scores from 620 to 660, depending on the program.
- Leverage: headline purchase maximums of 80–85% LTV, with the applicable grid cell set by credit, loan amount, DSCR, transaction type, property type and borrower profile.
- Coverage: rated DSCR floors from 0.75x to 1.00x; Greenstreet Maple, Greenstreet Oak and Greenstreet Birch also publish a no-ratio option.
- Property and borrower: all 7 programs are marked STR-eligible, 2 of the 7 take 5+ units, and 4 of the 7 identify a foreign-national path.
Higher credit and lower leverage generally improve the available structure; verify the exact current matrix before relying on a threshold or pricing assumption.
Keep readingDSCR CalculatorFAQ: what rate should I expect?DSCR Loan RequirementsGlossary: LTV
Market data as of January 2026. Rates, lender terms, and state rules are dated research — verify with current sources before relying on them. 2 of 10 datasets are past twice their review cycle; treat those figures as provisional.
Printed November 9, 2026 · http://127.0.0.1:45643/rate-quiz
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